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Is it safe to send screenshots of your bank account? We cannot give legal advice so the best thing to do here is to ask a lawyer. With that said, some people have edited their bank statements to remove information that was not pertinent to the purpose the statement was issued. You could go to jail or face stiff penalties for doing so. This action is called fraud when you are doing it to deceive or mislead people into thinking it is a legitimate statement. Is it illegal to fake or edit a bank statement? You get to decide what the history will cover. This can be as little as a week, two weeks, or as long as several months. With the transaction history, you set the time period you want to be covered.
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Then it records all the transactions within that given time period. For the bank statement, the bank sets the time frame at 30 days, usually. The biggest difference between these two records is the time period they cover. Go with the version that suits your lifestyle best. However, electronic versions can be hacked, stolen, and altered. Paper statements can be lost in the mail or get stolen from your mailbox, which are two reasons why people choose the electronic version. However, some people prefer doing everything online, so they opt for the electronic version. How you receive your bank statement will be up to you however, since banks are supposed to mail them out to you, you really have to do nothing to get the paper copy.
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If you are not sure how to request a statement via the internet, ask your bank for help. You can ask online through the bank’s website, and there might be a small fee for accommodating your request.
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But, in today’s technological world, you can sign up for paperless statements and have them sent to you electronically.Įven if you take the second option, your bank must give you a hard copy when you ask for one. The statements are sent out by mail automatically by the bank branch. There should be service charges listed if any were accrued. Then, the statement needs to have the date for the time period covered by the statement, the opening and closing balance of that time period, account information as well as the details of each transaction, including their dates. For example, their name, branch, and address should be printed on the statement.
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But banks have more requirements to meet. The requirement for you to get a bank statement is for you to open the right account at the bank you want to do business with. Some banks may charge a fee for that service. Then if you need one for a loan, tax audit, etc., you can always ask the bank to get you a copy. However, banks are required by law to hold onto your bank statements for up to 5 years. You can toss them after balancing your checkbook if you want, But that is not always a good idea just in case you did miss some illegal activity. There is no law or set time period for you to keep your bank statement. How Long Should You Keep the Bank Statements? This way, you can see if someone is using your account without permission or if you are spending more than you should be spending.Īfter comparing records, make sure the two agree so you do not accidentally overdraw it and pay more fees. Once you receive the statement, you are to get your checkbook and compare records. The third step has the bank sending your statement to your home address or the address on file. The second step is the bank printing that information either by category or in chronological order. That means it records every deposit, every withdrawal, every check, and every ATM transaction. The first step in the process is that the bank records every transaction you make regarding the account in question. This information can be grouped by deposits or by checks and withdrawals, or it can just be a running statement of individual transactions in chronological order. In other words, it informs you of everything you have done for the previous 30 days as well as telling you how much money you have left in that account. The main purpose of the bank statement is to give you an accurate account of the financial transactions you carried out that involved your bank account at a certain bank.